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Federal law bars employer-sponsored group health insurance plans that cover maternity from considering pregnancy a pre-existing condition. This means that if you change group health plans while you're pregnant, your new group health insurer (as long as it covers maternity) can't deny claims related to your pregnancy. But a variety of loopholes means pregnant women could still lack insurance coverage for their prenatal care if they don't do some careful planning.
"(3) EXCLUSION NOT APPLICABLE TO PREGNANCY. A group health plan, and health insurance issuer offering group health insurance coverage, may not impose any pre-existing condition exclusion relating to pregnancy as a pre-existing condition."
— The Health Insurance Portability and Accountability ActUnder a federal law known as HIPAA, group health plans cannot consider pregnancy a pre-existing condition and cannot exclude coverage for prenatal care or your baby's delivery, regardless of your employment or health insurance history, but only if the plan already includes maternity coverage. This holds true whether you are the primary insured or a dependent. So, health insurance plans can't deny you coverage when you go from one job to another and switch employer-sponsored group health plans. See HIPAA: Your rights to health insurance portability.Unfortunately, HIPAA applies mainly to group health plans. So if you move from one individual health plan to another individual health plan or from a group plan to an individual plan, you might not get pregnancy coverage at all, you might have to sit out a waiting period, or, if you are offered insurance that covers your pregnancy, you might find it's very expensive. However, this all changes under the Affordable Care Act.
Beginning in 2014, new individual health insurance plans and employer-sponsored plans will not be able to refuse you coverage or charge you higher premiums for being pregnant or having other pre-existing conditions.
But for now, you’ll need to consider these potential options.

While you were hanging yourself , on someone else's words
Dying to believe in what you heard
I was staring straight into the shining sun

Because reproductive care, including pregnancy, is part of comprehensive care.

<snip>

Ah, so what you're saying is that while feminists, gays, and other sex groups want the government out of their bedrooms, it's OK for the government to fund what goes on in said bedroom or what happens after what goes on in said bedroom. Gotcha.

That's easy. Ask them where in the Constitution does it say that it is the function of government to require people to have health insurance.

The government provides both you and your charges with healthcare. But you begrudge it to the guy who makes your hamburgers, the guy who changes your tires, and apparently other unionized workers. Aren't you a mess.

While you were hanging yourself , on someone else's words
Dying to believe in what you heard
I was staring straight into the shining sun

Ah, so what you're saying is that while feminists, gays, and other sex groups want the government out of their bedrooms, it's OK for the government to fund what goes on in said bedroom or what happens after what goes on in said bedroom. Gotcha.

I understand your frustration, but I'm not going to invoke your personal life in the most applicable and damning way.

While you were hanging yourself , on someone else's words
Dying to believe in what you heard
I was staring straight into the shining sun